Catholic Syrian Bank Ltd Examination Question Papers

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Catholic Syrian Bank Question Papers
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Banking Awareness Questions

1. Which of the following is a type of anticipatory letter of credit?
a) Green clause letter of credit
b) Yellow clause letter of credit
c) Back to back letters of credit
d) Revolving letter of credit

2. Performance guarantee is issued?
a) In lieu of earnest money
b) In lieu of retention money
c) In lieu of indemnity bonds
d) For successful competition of Turnkey projects

a) Mail transfer of funds
b) Telegraphic transfer of funds
c) Electronic credit transfers
d) Electronic clearing transfers

4. Which of the following is not an augmenting feature of credit cards?
a) Personal accident insurance
b) Cash withdrawal facility
c) Add-On facility
d) Automatic recovery of interest on term loans

5 Which of the following is a disadvantage of going public issue?
a) Provides liquidity to existing shares
b) Commands better pricing than placement with few investors
c) Increased regulatory norms
d) Enables valuation of the company

6 Which of the following is not a reason for regulating the banking operations?
a) Banks hold a major portion of the public savings
b) Banks intermediate between the savings and investments
c) Banks hold a large part of the money supply
d) Banks earn profit from non-fund services

7. Which of the following statements is true?
c) Banks have authority to establish the ATMs at their convenience

a) Debtor and Creditor
b) Creditor and Debtor
c) Lessor and Lessee
d) Agent and principal

9. Which of the following is a public sector Bank?

10. Trade control in India is regulated by?
a) RBI
c) EXIM Bank

11 Which of the following businesses is prohibited as per Sec 8 of B.R Act 1949?
a) Executing the trusts
b) Leasing
c) Retail trading
d) Underwriting

12. Which of the following is not one of the essential elements of internal audit?
a) Totality
b) Expertise
c) Independence
d) Subjectivity

a) Red Clause LC
b) Lines of credit
c) Packing credit loan
d) Green Clause LC

a) 90
b) 91
c) 180
d) 182

15. Which of the following is an interest bearing demand deposit?
a) Time Deposit
b) Re-investment deposits
c) Cash Certificates
d) Savings Bank account

a) 1 00 000 and above
b) 5 00 000 and above
c) 7 50 000 and above
d) 10 00 000 and above

17. An endorsement is deemed as an instruction to?
a) Collecting Bank
b) Paying Bank
c) Drawer
d) Payee

18. Ideal Credit deposit ratio for a bank is?
a) 60%
b) 40%
c) 90%
d) 30%

19. The rate at which RBI rediscounts the bills of commercial banks is called as?
a) Bank Rate
b) Prime Lending rate
c) Repo rate


21. Which of the following committees are related to 'Micro financing'?
a) Nayak Committee
b) Tandon committee
c) Vyas Committee
d) Narasimham committee

a) Debtor and Creditor
b) Principal and Agent
c) Bailor and Bailee
d) Creditor and Debtor

23. Normally, the number of members in a self Help Group shall not exceed?
a) 10
b) 20
c) 50
d) 15

c) RBI

a) 6, 265
b) 6, 625
c) 7, 255
d) 7, 555

26. Which of the following is not an imperfect note?
a) Washed note
b) Bleached note
c) Mutilated note
d) Oiled note

27. Credit rating helps in measuring the credit risk and facilitates?
a) Considering higher credit limits
b) Making loan provisioning at an early stage
c) Accurately calculate the probable loan losses
d) Pricing of a loan

28. The Reverse Repo has the following characteristic?
a) Borrowing by RBI from banks
b) Borrowing with government security as collateral
c) Short term borrowing
d) All of these

a) 5%
b) 15%
c) 20%
d) 25%

b) Generation of cash to meet debt liability
c) Generation of profits.
d) Generation of gross profits

31. Letter of negative lien obtained from borrower by a bank contains?

32. Which of the following statement is CORRECT?
d) Both (a) and (b)

I. The company looses the opportunity to raise more funds
II. Under pricing would give less returns to the investor
a) Only (II) above
b) Only (III) above
c) Both (I) and (III) above

a) All the liable parties together only
b) Any one of them at a time
c) All separately
d) At its discretion it can proceed against any one

a) Back to back LC
b) Red clause LC
c) Back to front LC
d) Revolving LC

36. Regional Rural Banks are?
a) Private Sector scheduled commercial banks
b) Cooperative banks
c) Foreign banks
d) Public sector scheduled commercial banks

37. Large corporate customers demand?

38. Funded Services under corporate banking does not include?
a) Working Capital Finance
b) Bill Discounting
c) Export Credit
d) Letters of Credit

39. Which of the following is not directly involved in rural lending?
a) Cooperatives
b) RRBs
c) Commercial banks

40. PACSs provide?
a) Mainly long term credit
b) Mainly short term credit
c) Both long term and short term credit
d) Do not provide any credit

a) Selective Credit Control (SCC)
b) Maintenance of cash reserve
c) Reserve fund
d) Comprehensive Credit Control

42. The system of note issue followed by the RBI is?
a) Proportional reserve system
b) Minimum reserve system
c) Minimum fiduciary system
d) Maximum fiduciary system

a) Bank rate
b) Repo rate
c) Reverse Repo
d) Discount rate

44. Scheduled banks are those?
a) Included in the 2nd schedule of the Banking Regulation Act-1949
b) Included in the 2nd schedule of the Companies Act-1956
c) Included in the 2nd schedule of the Reserve Bank of India Act -1934
d) Bank Nationalization Act -1969

45. The following is classified as a public sector bank?
a) ICICI Bank
b) IDBI Bank Ltd
c) Axis Bank
d) Local area bank

46. The banker-customer relationship in credit card payment is?
a) Creditor-debtor
b) Debtor-creditor
c) Agent principal
d) Principal-agent

47. The base rate is set by?
a) Individual banks
b) RBI
c) Government of India
d)RBI in consultation with Government

48. State Bank of India's new floating rate of deposit is directly linked to?
a) Inflation Rate
c) Base Rate
d) Bank Rate

a) 100 Crores
b) Rs. 200 crores
c) 300 crores
d) 400 crores

50. Security printing press was established in 1982 at?
a) Kolkata
b) New Delhi
c) Bombay
d) Hyderabad